| Metric | Independent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +4.6% | +5.1% | -0.5 pts |
| Loan growth (YoY) | +3.6% | +5.9% | -2.3 pts |
| ROA | 1.26% | 1.26% | +0.0 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.85B | $1.62B | $1.32B | $195.1M | $11.1M | 1.26% | 4.62% | 1.15% |
| Q1 2026 | $1.68B | $1.43B | $1.30B | $189.2M | $5.4M | 1.26% | 4.63% | 0.81% |
| Q4 2025 | $1.76B | $1.47B | $1.30B | $192.8M | $20.8M | 1.23% | 4.52% | 0.71% |
| Q3 2025 | $1.73B | $1.45B | $1.29B | $187.1M | $15.4M | 1.22% | 4.48% | 0.65% |
| Q2 2025 | $1.79B | $1.55B | $1.27B | $186.6M | $9.1M | 1.09% | 4.42% | 0.74% |
| Q1 2025 | $1.57B | $1.32B | $1.22B | $175.0M | $3.8M | 0.94% | 4.27% | 0.67% |
| Q4 2024 | $1.64B | $1.33B | $1.22B | $173.1M | $18.6M | 1.22% | 4.49% | 0.52% |
| Q3 2024 | $1.54B | $1.31B | $1.22B | $171.4M | $14.1M | 1.25% | 4.54% | 0.65% |
Loan mix (Q2 2026): real estate $395.5M · commercial $151.7M · consumer $588.2M · securities $7.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 59.0% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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